Post-Binding Compliance
Compliance & Filings Roadmap
Binding your policy is just the beginning. Our team manages every filing,
certificate, and regulatory requirement so your authority stays active and your
operation stays compliant.
1
FMCSA Filings
WITHIN 24 HOURS OF BINDING- ✓MCS-90 endorsement attached to the auto liability policy
- ✓Electronic filing via FMCSA's SAFER system
- ✓BMC-91X filing for freight brokers (if applicable)
- ✓Verification that filings appear on SAFER/FMCSA portal
2
DOT Number Verification
AT BINDING- ✓Confirm active USDOT number status
- ✓Verify operating authority (MC number) is active
- ✓Check biennial MCS-150 update is current
- ✓Validate USDOT number matches policy named insured
3
Certificate of Insurance (COI) Issuance
WITHIN 24 HOURS OF BINDING- ✓Issue ACORD 25 (Certificate of Liability Insurance)
- ✓Include all required coverages and endorsements
- ✓Distribute to certificate holders (shippers, brokers, lessors)
- ✓Set up automated COI tracking and renewal reminders
4
Loss Payee & Additional Insured Setup
WITHIN 48 HOURS OF BINDING- ✓Add lienholders as loss payees on physical damage coverage
- ✓Add lessors as additional insureds as required by lease agreements
- ✓Add shippers/brokers as additional insureds per contract requirements
- ✓Issue endorsements and updated COIs to all parties
5
Driver Qualification File Requirements
ONGOING — BEFORE ANY DRIVER OPERATES- ✓Motor Vehicle Record (MVR) checks for all drivers
- ✓CDL verification — confirm valid Commercial Driver's License with proper endorsements
- ✓DOT medical certificate (Medical Examiner's Certificate) on file
- ✓Drug & alcohol testing compliance (DOT pre-employment and random)
- ✓Annual review of driving record per FMCSA §391.25
6
Ongoing Compliance Monitoring
QUARTERLY / ANNUALLY- ✓Annual premium audits — verify reported revenue, mileage, and units
- ✓Safety rating monitoring via FMCSA SMS (Safety Measurement System)
- ✓CSA (Compliance, Safety, Accountability) score tracking
- ✓Policy renewal preparation — loss runs, experience mod updates
- ✓Mid-term policy changes — adding/removing vehicles and drivers
7
State-Specific Filings
AS REQUIRED BY STATE- ✓Intrastate operations require state-specific financial responsibility filings
- ✓State DOT filings for carriers operating within a single state
- ✓State workers' compensation filings and proof of coverage
- ✓Unified Carrier Registration (UCR) annual filing
Let Us Handle Your Compliance
From FMCSA filings to certificates of insurance, our team keeps you compliant so
you can focus on the road. Get started today.